Im not a big fan of using premade templates. The biggest thing is if your client is satisfied, if they are satisfied with a premade template then so be it....
I did make my clients last time from a template - They couldnt decide on what they wanted and I showed them a few free templates and they fell in love with one and insisted that I use it. I personally think that I could have done one better, but they are the client, the customer and the customer is always right...
I agree with Barman, SEO services and things like that are the perfect upsell especially since they often take less leg work making them great extra "addons"
Also, Dreamweaver sucks a big floppy donkey dick... If your going to use it, at least understand the code its putting down... Theres nothing worse then seeing some jackass who thinks hes great at web design because he can use Dreamweaver get stuck because it did something stupid and he doesnt know whats going on the code to fix it...
Personally, I use Photoshop and Ultraedit-32 (Has built in FTP...)